Member Solutions Consultant - Broomfield, CO

As The Artisans of Banking, we strive to be B.R.A.V.E. (Build Relationships & Add Value Everyday). We recognize that in order to meet the needs of our communities, we must represent our communities. Our success relies on creating a culture where we have diverse perspectives and a true sense of belonging. This is a journey, and we pledge to do more than simply check the box. When you join our Premier Members team, your benefits will include :

• Comprehensive medical insurance plan that has HRA, HSA, and FSA options
• Dental and vision insurance
• Generous paid-time-off
• 11 paid holidays
• Annual bonus (based off of annual results / scorecard each year)
• 401(k) plan with a 5% match
• Wellness program
• Tuition assistance
• 1% employee loan discount
• Employee Assistance Program (EAP)
• Life and disability coverage What sets working for Premier Members apart?
• Career development and pathing opportunities to move into leadership roles or other lines of business within PMCU such as Commercial Lending, Finance, Marketing, Underwriting, Member Solutions, Training, Human Resources, and more.
• Supportive and engaging work environment.
• A wellness and sustainable work culture that puts family, Mother Nature, our community, and your health first.
• A work environment that encourages personal as much as professional growth, teamwork to make the dream work, and treating everyone equally.
• Studies have shown that individuals from marginalized and or historically underrepresented groups may be less likely to apply for jobs unless they meet every one of the qualifications listed. We are most interested in finding the best candidate for the job. We would encourage you to apply for a job at Premier Members Credit Union, even if you don’t meet every one of our qualifications listed. This is a full-time position working 40 hours a week, hours Monday-Friday 8 : 00am – 5 : 00pm and an occasional Saturday 8 : 00am – 1 : 00pm (typically once a quarter). POSITION SUMMARY : Responsible for performing member solutions activities associated with various delinquent member accounts, including overdrafts, Visa credit cards, lines of credit, secured loans, signature loans and real estate loans.  Reviews delinquent accounts, determines probable reasons for account status, and contacts members to resolve the delinquencies.  Utilizes various techniques, as circumstances indicate, to promptly collect on delinquent accounts.  ESSENTIAL FUNCTIONS :
• Live our mission and corporate philosophy on a daily basis :   Build Relationships and Add Value Everyday – B.R.A.V.E.
• Build member relationships that deliver value and demonstrate that we care
• Foster a positive environment through delivery of exceptional member experiences
• Contact members via written and oral communications when overdraft amounts are not rectified in a timely fashion
• Assists the Member in establishing an agreement for the purpose of repaying any outstanding overdraft amounts
• Refer overdraft accounts for external collections processing as required
• Accurate and timely processing of Member transactions
• Minimizes potential losses in the Courtesy Pay program
• Responsible for delinquency queues including overdrawn accounts and making outbound calls
• Responsible for Charge off / Recovery queues and making outbound calls
• Assist in charge / recovery collection efforts
• Stay in a ready status to take in bound calls during the day
• Follows up on delinquent accounts using the tools provided by PMCU to secure a satisfactory resolution of the members delinquency
• Perform skip tracing as needed
• Performs collections efforts in accordance with Credit Union policies and procedures and ensures they are legally compliant
• Perform overrides as needed
• Complete Skip A Pays as needed
• Assist Branches / Contact Center and related departments as required
• Process mail and email daily both incoming and outgoing
• Assist in training new staff through mirroring
• Documents all collection actions taken, including telephone conversations, alternative financial arrangements, and correspondence on computer
• Maintains the Credit Union's professional reputation throughout collections operations and in all contacts with members
• Maintains confidentiality
• Assists area personnel as needed and participates in meetings as required
• Keeps management informed of activities, progress toward established objectives, and of any significant problems
• Stays informed of changes in collections policies, procedures, and related legal requirements
• A delinquency ratio which meets management standards is maintained
• Professional business relations exist with members.  Members are properly assisted with their financial problems and their questions are courteously answered
• Responsible for CPI refunds, add ons and monthly reconciliation
• Backup Charge off loans or checking accounts process as directed by management
• Backup for credit reporting and disputes in EOscar
• Backup on deceased accounts
• Responsible for all actions taken for a repossession included but not limited to
• Ensure right to cure is valid
• Submit vehicle for repossession
• Set floor at auction
• Review Pacer and SCRA
• Allied / CPI claims
• Fast Track / Open Lending claims
• Posting of proceeds
• File GAP and Warranty claims
• GAP refunds
• Backup for all non RE Bankruptcy included but not limited to
• Proof of claims
• Work with trustee and local council
• Replevin actions
• Other duties as required   QUALIFICATIONS   Education / Certification :
• Completed high school diploma, GED or equivalent combination of formal training and experience
• Additional business training strongly preferred   Required Knowledge :
• Knowledge of collection procedures and related laws and regulations suggested but not required Familiar with default and enforcement clauses suggested but not required Familiar with deposit programs, account ownership, and casualty insurance suggested but not required Understanding of Credit Union loan products and policies suggested but not required Familiar with deposit programs, account ownership, and casualty insurance suggested but not required Basic understanding of the U.S. Bankruptcy Code suggested but not required   Experience Required :
• Two to Five years of collection experience, preferably with a full-service financial institution suggested but not required   Skills / Abilities :
• Strong interpersonal skills
• Good organizational and problem-solving abilities
• A high level of analytical skills
• Ability to operate related computer applications and business equipment
• Strong communication and phone skills
• Coordinate activities well with others
• Well organized and attentive to detail   WORKING CONDITIONS
• Standard office conditions
• Low to moderate noise
• Limited lifting up to 10 lbs. This description has been reviewed to ensure that only essential functions and basic duties have been included.  Peripheral tasks, only incidentally related to each position, have been excluded.  Essential functions, requirements, skills, and abilities included have been determined to be the minimal standards required to successfully perform the positions.  In no instance, however, should the duties, responsibilities, and requirements delineated be interpreted as all-inclusive.  Additional functions and requirements may be assigned by supervisors as deemed appropriate.    In accordance with the Americans with Disabilities Act, it is possible that requirements may be modified to reasonably accommodate disabled individuals.  However, no accommodations will be made which may pose serious health or safety risks to the employee or others or which impose undue hardships on the organization. The Credit Union believes that each employee makes a significant contribution to our success.  That contribution should not be limited by the assigned responsibilities.  Therefore, this job description is designed to outline primary duties, qualifications, and job scope, but not limit the incumbent.  It is our expectation that each employee will offer his / her services wherever and whenever necessary to ensure the success of our endeavors. Job descriptions are not intended as and do not create employment contracts.  The organization maintains its status as an at-will employer.  Employees can be terminated for any reason not prohibited by law. This Job Description is not a complete statement of all duties and responsibilities of this position and may change with or without notice. Final Compensation for this position will be determined by various factors such as relevant work experience, specific skills and competencies, education, certifications, and internal pay equity. We anticipate this position to close within 30 days of posting. Please submit your application at your earliest convenience to be considered. You may not check every box, or your experience may look a little different from what we've outlined, but if you think you can bring value to Premier Members Credit Union, we encourage you to apply!  Thank you for your interest in Premier Members Credit Union.